Published: Tuesday, 31 Mar 2009 | 11:46 AM ET

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In this new segment, Carmen offers a daily tip for securing your fortune in troubled times.

Monday’s tip: Don’t let long-term investments – your retirement, your home – be subject to short-term fears.

You need to eat tomorrow. That’s a short-term liability you need to cover with a short-term asset. But you also need to eat in 20 years, as financial advisor Ray Lucia says. That should be covered with a long-term asset. The two should never cross.

On investing, Gregg Fisher of Gerstein Fisher says you should look at buying stocks like buying a piece of a business and owning part of those profits over a long period of time. With the market still down substantially from its highs, he suggests taking some risk and buying stocks for the long term.

Watch ON THE MONEY weeknights at 10p ET

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